1. Incomplete application materials; The applicant fails to provide the basic documents; The documents provided by the applicant do not meet the acceptance criteria.
2. Unqualified: the applicant is engaged in the restricted promotion industry of credit card issuance; The applicant's age, working years, wage income or other economic sources do not meet the prescribed card issuing standards; The relationship between the sub-card applicant and the main card applicant does not meet the requirements; The applicant's income, work and other comprehensive factors are unstable and risky, and so on.
3. Credit mismatch: the applicant has a record of malicious overdraft or loan default in other banks; The applicant has a record of unpaid water, electricity, gas or telephone charges; The applicant is in a lawsuit dispute or has a bad record in the public security bureau, and so on.
4. Risk groups: the applicant falsifies information or provides false information; Abnormal conditions are found in the process of credit review (resignation of the applicant or non-signature of the applicant); The applicant does not exist or applies under the guise of others; The applicant is a high-risk customer, etc.
5. Other reasons: repeated application, or cancellation of application by the applicant himself.
If the application is rejected, you can call the customer service hotline of Bank of Communications to consult manual customer service.